You consent to receive all Communications relating to your Account in electronic form. The Communications covered by your consent include (i) your Billing Statement, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act and the financial privacy provisions of the Gramm-Leach-Bliley Act, and (iii) any modifications to the contract that governs your Account or related change in terms notices. Communications may include your name and some information about your Account, including your balance or the due date. Electronic Communications may be disclosed to any party with access to your Account or e-mail account or hardware or software used to view your Account or e-mail account.
How to Withdraw Your Consent: After your request has been submitted, if you want to withdraw your consent to receive electronic Communications, you may un-enroll by accessing the Old Navy Credit Card web page at eservice.oldnavy.com. You may also withdraw your consent by contacting us in writing at P.O.Box 981064, EI Paso, TX 79998-1064. We will not impose any fee to process the withdrawal of your consent to electronic Communications. However, you will not be able to receive your Billing Statements electronically if you do not consent to receive electronic Communications or withdraw your consent. Any withdrawal of your consent to electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal request.
How to Update Your Records: You agree to promptly update your electronic mail address if a change occurs by updating your information through this website.
Hardware and Software Requirements: In order to access and retain electronic Communications, you must have the following:
SSL-Enabled web browser such as Netscape 4.0, AOL 4.0 or Microsoft Explorer 4.0 (or later versions); a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing; and sufficient electronic storage capacity on your hard drive or other data storage facility, or a printer that is capable of printing from your Internet browser and e-mail software.
Paper Copies of Communications: Upon your request we will provide you with a paper copy of a Communication that we provide you electronically.
Communications in Writing: All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communication and any other Communication that is important to you.
Access to Communications: By providing your consent to electronic Communications at this website, you confirm that you can receive and access electronic Communications.
Electronic Signatures: You acknowledge that by clicking on the "Submit" or similar button below, you are indicating your intent to sign up for electronic communications and that this shall constitute your signature.
OTHER IMPORTANT TERMS
1. Statement Inserts: Any Inserts that would be included with a statement sent by U.S. mail may also be sent to you electronically. If an insert contains legally required material, to ensure that you receive the necessary material, we may send you a paper copy of your statement in addition to making the statement available to you electronically. Any legally required Insert that would not be available electronically will be sent to you by U.S. mail.
2. Payment Information: When you elect to stop paper statements, you must still pay at least your Minimum Payment by 5 p.m. (ET) on the Payment Due Date. You can do this through an electronic bill pay service (whether through this website or using a third party servicer or bank) or by mailing your payment to us at the address shown on the electronic Billing Statement. Please note, if you do not pay us electronically, the crediting of your payment may be delayed by up to five days after receipt.
3. Returned E-mails: If e-mails advising you of the availability of statements are returned to us, we may cancel your enrollment and resume sending you paper statements in the mail. If this happens, you will need to re-enroll to receive electronic communications with updated information.
4. SPAM Filters: We will make every effort to ensure our e-mail notifications are properly listed with all SPAM filter agencies. However, you are responsible for ensuring that any SPAM filters recognize e-mail originating from us. If you fail to receive e-mail notifications and/or electronic Billing Statements from us after enrolling for electronic Communications, please check with the provider of your email account and/or the SPAM filter associated with your email account.
5. Account Delinquency: We reserve the right, at any time and without notice, to stop providing you with electronic Billing Statements and provide you paper statements, if your account is not maintained in good standing.
6. Cancellation: We reserve the right, at any time and without notice, to stop providing you electronic Billing Statement and provide you with paper statements. If we do so, we will provide you with prior notice. Reasons for cancellation include, but are not limited to, not viewing your last three electronic statements.
DEFINITIONS
In this Consent to Electronic Communication:
"you" and "your" means the individual who is entitled to receive a Billing Statement;
"we", "us" and "our" means Synchrony Bank;
"Account" means your Old Navy Credit Card account;
"Billing Statement" means the billing statement for your Account; and
"Communications" means your Billing Statement and all other communications from us to you relating to your Account.
All other terms used in this Consent to Electronic Communications shall have the meanings given to them in your Cardholder Agreement.